Wells Fargo Bank in Montana vs the state
15.7%Denial rate+0.84 pts vs state
22.3%Decision denial rate+3.64 pts vs state
53.7%Origination rate-8.24 pts vs state
6.38%Median rate-0.25 pts vs state
0.05Rate spread (pts)-0.19 pts vs state
$108kMedian applicant income
151Loans originated
44Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 336 | 150 | 25.3% | 6.50% | #19 |
| 2024 | 269 | 121 | 23.8% | 6.50% | #28 |
| 2025 | 281 | 151 | 15.7% | 6.38% | #31 |
What Wells Fargo Bank lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Wells Fargo Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 41 | 26 | 5 | 12.2% |
| Gallatin County | 41 | 24 | 8 | 19.5% |
| Yellowstone County | 27 | 17 | 0 | 0.0% |
| Cascade County | 20 | 12 | 1 | 5.0% |
| Silver Bow County | 18 | 9 | 6 | 33.3% |
| Missoula County | 18 | 8 | 4 | 22.2% |
| Lewis and Clark County | 15 | 7 | 3 | 20.0% |
| Lincoln County | 9 | 4 | 2 | 22.2% |
| Deer Lodge County | 9 | 6 | 1 | 11.1% |
| Park County | 9 | 3 | 2 | 22.2% |
Other large lenders in Montana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Glacier Bank | D | 3,018 | 16.2% | 7.25% |
| Stockman Bank of Montana | B | 2,911 | 6.3% | 6.88% |
| Rocket Mortgage | C | 1,999 | 17.5% | 6.75% |
| United Shore Financial Services | B | 1,857 | 9.2% | 6.25% |
| Opportunity Bank of Montana | B | 1,608 | 9.8% | 6.88% |
| Evergreen Moneysource Mortgage | B | 1,158 | 1.1% | 6.25% |
| U.S. Bank | D | 1,024 | 27.1% | 7.13% |
| First Interstate Bank | D | 987 | 22.9% | 8.25% |
| Mortgage Research Center | C | 940 | 16.7% | 6.13% |
| Crosscountry Mortgage | B | 920 | 5.1% | 6.63% |
Frequently asked questions
Montana: 281 applications in 2025, of which 151 were originated and 44 denied.
15.7% of all applications, or 22.3% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Wells Fargo Bank originated in Montana in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Wells Fargo Bank's own HMDA filing for properties located in Montana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology